Real Estate Center

Complete Home Loans

Your path to homeownership is all under one roof at TwinStar Credit Union. Our home loan experts can help you sell, find, and finance the home that is right for you.

Mortgage Refinance

Refinancing your mortgage at a lower rate can help you reduce your monthly payment, get a lower rate, lock in a fixed rate, or pay your home off sooner. You could also Tap into your home’s equity with a cash-out refinance. Find out if now is a good time to refinance your mortgage.

TWIN 97 home loan is custom made for first-time homebuyers

TwinStar has created a special 3 percent down home loan program to ease the burden, with lower down payments and fewer restrictions on new borrowers.

The HomeAdvantage® advantage

HomeAdvantage is an exclusive, free member service* that can help you search, buy, sell and save on your next home.

With TwinStar and the HomeAdvantage program, you have help each step of the way, including access to online MLS listings. Plus, if you work with an agent in our network, you can receive a special cash reward.* Visit a branch or click the link to get started.

Start your journey here.

Get pre-approved

Get pre-approved for the mortgage you’ll need before you begin your search. It’s the best way to know what you can afford and it tells sellers that you are a serious, qualified buyer.

Search for a house

Find your next home by searching current MLS listings made available through HomeAdvantage. Save your favorite searches and get email alerts when new properties come up.

Get an agent referral

Find a hand-picked, experienced real estate agent in the HomeAdvantage network.

Earn a cash reward

Just use any agent in the HomeAdvantage network to buy or sell your home, and you’ll earn a cash reward equal to 20% of the agent’s commission.

Own your own home TODAY!

Here’s what you’ll need to get started.

Pay stubs-most recent to cover the last 30 days
W-2 forms-most recent two years
Tax returns (self-employed or paid commission – two years federal tax returns (personal/corporate/partnership)
Bank statements-most recent two months
Retirement account statements – most recent quarter
Current debts-account #, balance, monthly payment

If you found a home:

Property tax information
Homeowners insurance-company, agent name, phone #
Purchase and sales agreement
Landlord’s name and address for the past two years

Construction loans:

Two sets of plans
Description of materials
Construction contract between you and your builder

Apply today

*The HomeAdvantage program is made available to members through a relationship between TwinStar Credit Union and CU Realty Services. Program cash rewards are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network of approved agents. Home buyers or sellers are not eligible for the cash reward if they use an agent outside this network. Using TwinStar Credit Union for a mortgage is not a requirement to earn a cash reward. Cash reward amounts are dependent on the commissions paid to the agent. TwinStar Credit Union has specific rules on how your cash reward will be paid out. Cash reward incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with a TwinStar mortgage lending officer to get details that may affect you.